Liquidity risk arising from changes in market conditions and deterioration in creditworthiness
First written in FY2017. 2 of 5 entries say "Worsened", first in FY2018. Latest entry: FY2026.
The First Bank Of Toyama moved to the "Worse" side of this theme in 2026, 1 year after the typical company in this theme (2025).
The whole theme swung hardest in 2025: 15 of 58 companies on the "Worse" side.
20 other companies' latest entry also says "Worsened".
- FY2026WorsenedAnnual report
「In addition, if the emergence of geopolitical risks or market turmoil resulting from changes in trade policy prevents us from trading in the market, or forces us to trade at significantly less favorable prices than usual, resulting in losses, this may adversely affect the operations, performance and financial condition of our banking group.」
In addition to the previously identified deterioration in market conditions and creditworthiness, the disclosure explicitly identified the emergence of geopolitical risks and market turmoil resulting from changes in trade policy as liquidity risk factors. - FY2022RestatedAnnual report
「If the credit standing of our banking group deteriorates as a result of changes in domestic or overseas economic conditions or financial markets, or an external credit rating agency downgrading our rating, we may be unable to secure the necessary funds because we are forced to raise funds at significantly higher interest rates than usual, making it difficult to manage our cash flows.」
The possibility of higher funding rates, difficulty securing funds and losses caused by market turmoil due to deteriorating market conditions and creditworthiness continues to be disclosed. - FY2021RestatedAnnual report
「If the credit standing of our banking group deteriorates as a result of changes in domestic or overseas economic conditions or financial markets, or an external credit rating agency downgrading our rating, we may be unable to secure the necessary funds because we are forced to raise funds at significantly higher interest rates than usual, making it difficult to manage our cash flows.」
The possibility of higher funding rates, difficulty securing funds and losses caused by market turmoil due to deteriorating market conditions and creditworthiness continues to be disclosed. - FY2018WorsenedAnnual report
「If the credit standing of our banking group deteriorates as a result of changes in domestic or overseas economic conditions or financial markets, or an external credit rating agency downgrading our rating, we may be unable to secure the necessary funds because we are forced to raise funds at significantly higher interest rates than usual, making it difficult to manage our cash flows. In addition, if market turmoil or other events prevent us from trading in the market, or force us to trade at significantly less favorable prices than usual, resulting in losses, this may adversely affect the operations, performance and financial condition of our banking group.」
In addition to the previously identified risks of higher funding costs and difficulty managing cash flows, the disclosure explicitly identified the inability to trade due to market turmoil and losses from trading at unfavorable prices. - FY2017First statedAnnual report
「If the credit standing of our banking group deteriorates as a result of changes in economic conditions or financial markets, or an external credit rating agency downgrading our rating, we may be forced to raise funds at significantly higher interest rates than usual or may experience difficulty managing our cash flows.」
The note indicates the possibility of higher funding costs and difficulty managing cash flows due to changes in economic and financial markets or a credit rating downgrade.